Annual interest rates, fees and features are current as of October 1, 2014 unless otherwise indicated and subject to change.

1Welcome Bonus Aeroplan Miles ("Welcome Bonus Miles") will be awarded to the Aeroplan Member Account associated with the TD Aeroplan Credit Card Account ("Account") only after the first Purchase is made on the Account. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by and the number of Welcome Bonus Miles awarded to any one person. Please allow up to 4 weeks after your first Purchase is posted to the Account for Welcome Bonus Miles to be credited to your Aeroplan Member Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

2 1.5 Bonus Aeroplan Miles ("Bonus Rate") are earned on each $1.00 in Purchases of gas, groceries or drugstore products/ services charged to your TD Aeroplan Credit Card Account (Account). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries and drugstore products/services must be made at merchants classified through the Visa network with a Merchant Category Code (MCC) that identifies them in the "gas", "grocery" or "drugstore" category. Some merchants may sell gas, groceries or drugstore products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services, but may not be classified with a gas, grocery or drugstore MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $80,000 in net annual Purchases of gas, groceries and drugstore products/services made from January 1 to December 31 each year on your Account. Once the maximum net annual amount has been reached, Purchases of gas, groceries or drugstore products/services on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of and not in addition to the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

3 1 Aeroplan Mile is earned on each $1.00 in Purchases charged to your TD Aeroplan Credit Card Account ('Account"). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at www.tdcanadatrust.com/tdvisa/agreements.

4 TD Points are awarded for purchases charged to the Card. Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the TD Points earned by the amounts originally charged to the Card. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Points.

5 Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your Card and/or Aeroplan Miles. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are outlined in the certificate of insurance provided with your TD Credit Cardholder Agreement

6 Underwritten by TD Home and Auto Insurance Company. Rentals must be charged in full to the Card and/or associated Aeroplan Miles, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

7 Underwritten by TD Home and Auto Insurance Company. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the certificate of insurance included with your TD Credit Cardholder Agreement.

8 Provided by Avis Rent A Car System LLC. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

9 Provided by Budget Rent A Car System, Inc. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

10 1 Bonus Aeroplan Mile ("Bonus Rate") is earned on each $1.00 in Purchases of gas, groceries or drugstore products/ services charged to your TD Aeroplan Credit Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries and drugstore products/services must be made at merchants classified through the Visa network with a Merchant Category Code (MCC) that identifies them in the "gas", "grocery", or "drugstore" category. Some merchants may sell gas, groceries or drugstore products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services, but may not be classified with a gas, grocery, or drugstore MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $80,000 in net annual Purchases of gas, groceries, and drugstore products/services. Once the maximum net annual amount has been reached, Purchases of gas, groceries or drugstore products/services on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of and not in addition to the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

11 1 Aeroplan Mile is earned on each $1.50 in Purchases charged to your TD Aeroplan Credit Card Account (Account). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at http://www.tdcanadatrust.com/tdvisa/agreements).

12 1.5 Bonus Aeroplan Miles ("Bonus Rate") are earned on each $1.00 in Purchases of gas, groceries or drugstore products/ services charged to your TD Aeroplan Credit Card Account ("Account"). This Bonus Rate is also earned on each $1.00 in Purchases from Air Canada charged to your Account. Air Canada Purchases include flight reservation purchases completed online at aircanada.com and purchases completed at the airport or inflight. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries, drugstore products/services and Air Canada Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (MCC) that identifies them in the "gas", "grocery", "drugstore" or "Air Canada" category. Some merchants may sell gas, groceries or drugstore products/services or Air Canada products/services, or have separate merchants located on their premises that also sell gas, groceries, drugstore products/services or Air Canada products/services, but may not be classified with a gas, grocery, drugstore or Air Canada MCC and such Purchases will not earn this.Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Please see the Aeroplan Program for complete details on Aeroplan Miles earned on Air Canada Purchases. Bonus Rate is only available on the first $100,000 in net annual Purchases of gas, groceries, drugstore products/services, and Air Canada Purchases made from January 1 to December 31 each year on your Account. Once the maximum net annual amount has been reached, Purchases of gas, groceries, drugstore products/services or Air Canada Purchases on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of and not in addition to the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

13 1.25 Aeroplan Miles are earned on each $1.00 in Purchases charged to your TD Aeroplan Credit Card Account ("Account"). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at http://www.tdcanadatrust.com/tdvisa/agreements).

14 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the certificate of insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that is available to all TD Canada Trust customers. The day of departure from and the day of return to your province of residence each count as one full day. 22-day coverage if you're under 65 and 4-day coverage if you're 65 or older.

15 Welcome Bonus Aeroplan Miles ("Welcome Bonus Miles") will be awarded to the TD Aeroplan Visa Business Credit Card Account ("Account") that is charged an annual fee of $149 (the "$149 Account"). The Welcome Bonus Miles will be awarded only after the first purchase is charged to the $149 Account with the Card that has the $149 annual fee (the "First Purchase"). The Welcome Bonus Miles will appear in the Aeroplan Member Account of the designated owner / sole proprietor or partner associated with the business ("Designated Aeroplan Member Account"). If you have opened a $149 Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of $149 Accounts opened by, and the number of Welcome Bonus Miles awarded to, any one person. Please allow up to 4 weeks after the First Purchase is posted to the $149 Account for Welcome Bonus Miles to be credited to the Designated Aeroplan Member Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

16 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the certificate of insurance included with your TD Credit Card Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that is available to all TD Canada Trust customers. The day of departure from and the day of return to your province of residence each count as one full day. 8-day coverage if you're under 65 and 4-day coverage if you're 65 or older.

17 Applies to new TD First Class Travel Visa Infinite Accounts (Account) only. The Welcome Bonus of 20,000 TD Points (Bonus) will be awarded to the Account upon approval. Limit of one (1) Bonus offer per Account. We reserve the right to limit the number of Accounts opened by any one person to one. Other conditions apply. Offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.

18 Applies to new TD Classic Travel Visa Infinite Accounts (Account) only. The Welcome Bonus of 2,000 TD Points (Bonus) will be awarded to the Account upon approval. Limit of one (1) Bonus offer per Account. We reserve the right to limit the number of Accounts opened by any one person to one. Other conditions apply. Offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.

19To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or associated TD Points. Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). Benefits, features and coverages are subject to conditions, limitations and exclusions including a pre-existing condition exclusion, which are outlined in the certificate of insurance provided with your Credit Card. Note that this insurance offers different benefits on different terms and conditions than the Trip Interruption Insurance automatically included on the TD Gold Elite Visa Card.

20Applies to new TD Platinum Travel Visa Accounts (Account) only. The Welcome Bonus of 15,000 TD Points (Bonus) will be awarded to the new Account upon approval. Limit of one (1) Bonus offer per Account. We reserve the right to limit the number of new Accounts opened and Welcome Bonuses received by any one person. Other conditions apply. Offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.

21TD Points must be redeemed in minimum 10,000-point increments. To redeem TD Points for travel purchases charged to your Card that are not booked through Expedia For TD Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel purchase has been posted to the Account and within 90 days from the transaction date of the travel purchase. The required TD Points will be redeemed from the TD Points balance available at the time the TD Points are redeemed for the travel purchase, not the transaction date of the travel purchase. The amount that will be credited toward the travel purchase will be equal to the value of the TD Points redeemed. If there are insufficient TD Points available to cover the entire amount of the travel purchase, the Account will only be credited by the value of the TD Points redeemed. Any amount of the travel purchase not covered by the TD Points redeemed will remain on the Account for payment. The TD Travel Rewards Centre is operated by Aimia Proprietary Loyalty Canada Inc. at 1-800-983-1043. Expedia For TD is operated by Expedia, Inc. at www.tdrewards.com and 1-877-222-6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

23TD Auto Club is provided by Axa Assistance Inc., an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.

24Cash back rewards are earned on Purchases charged to the Account. Credit for refunds, returned items, rebates or other similar credits will reduce or cancel the cash back rewards earned by the full or partial amount originally charged to the Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and Access Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn cash back rewards.

25TD Drivers Rewards Points are earned for Purchases charged to the Account. Purchases of gas and purchases of automotive parts or services must be made at eligible merchants of gas and eligible merchants of automotive parts or services with eligible Merchant Category Codes, as described in the TD Drivers Rewards Program section of your Cardholder Agreement, to be able to earn TD Drivers Rewards Points. Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the TD Drivers Rewards Points earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD VisaCheques), interest charges, optional services, refunds, rebates or other similar credits do not earn TD Drivers Rewards Points. Please see the TD Drivers Rewards Program section of the Cardholder Agreement (http://www.tdcanadatrust.com/document/PDF/tdVisa/tdct-tdVisa-driverrewards-530974.pdf) for complete details.

26Underwritten by Allianz Global Risks US Insurance Company (Canadian Branch). Details of Insurance denefits, including terms, conditions, limitations, and exclusions are outlined in the certificate of Insurance included with your TD Credit Card Cardholder Agreement.